There are few damages to physical property as insidious as mold. Slow to develop and extremely difficult to remediate, mold will make you sick, weaken your structure and drive you out of your mind.

Insurers have traditionally covered mold damage to covered items like pipes. But as public awareness of mold’s health hazards increases and mold-detection techniques improve, many insurers are refusing to write mold coverage into new policies – and doing everything they can to avoid covering mold in their existing policies. Now more than ever, commercial and residential policyholders need an expert like Jerry E. Kotler Associates on their side when it comes to the insurance ramifications of this silent enemy.